As with everything available from Credit Karma, use of Direct Dispute … You have the right to add a statement of explanation to your credit file if you disputed an item, but the investigation did not resolve the dispute. Seeing the changes on Credit Karma. Understand why disputes show on your credit report. Credit Karma members can dispute errors on their TransUnion® report through the Credit Karma Direct Dispute™ tool. Specifically, the credit bureaus do not have to investigate any credit report disputes they consider to be frivolous or irrelevant in nature. If that doesn't work for you, then please contact us from the email address that you would like to use on your Credit Karma account. If Equifax makes a change to your report, you’ll see it on Credit Karma after we get the updated information from Equifax. When you raise a dispute, TransUnion (who provides Credit Karma with your credit file) will investigate this for you and provide an outcome within 28 days. There are two situations in which disputes show up on your credit report. Once you have your credit report write down the accounts that you need to remove disputes from. If you already have a dispute open with a credit bureau, you won’t be able to lock or unlock your TransUnion credit report as part of the Credit Lock beta program during this time. If you need to cancel a dispute you’ve raised, you’re unable to do this with Credit Karma but you can find out how to do so here. They gave me the result for the first dispute but they haven't closed the investigation on the second dispute. While the Fair Credit Reporting Act requires credit bureaus to investigate consumer disputes in a timely manner, the law does give them some leeway to stop consumers from abusing the process. All three Credit Bureaus will have the dispute comments removed within 24-72 hours. If you no longer require an investigation and you’d like to cancel a dispute you’ve raised, you would need to contact TransUnion directly to request this. If you don't have access to the email address associated with your Credit Karma account, then you may be able to change the email address on your account yourself here: Change my email address . To look at your hard inquiries, you must first access your credit reports from each of the 3 major bureaus: Equifax, Experian, and TransUnion.. You may want to use a free online service such as Credit Karma to first access your reports. The thing is, Credit Karma shows its still under investigation and that they have 30 days to respond. It's a GARDEN life for me since 15 DEC 15 until 15 DEC 16 In the first situation you dispute something with a creditor such as a notation that you made late payments or were in default. Look for sample credit dispute letters online, like the one available from the Federal Trade Commission, to help you draft your dispute letter. Its been 3 months and i still havent received a second response to my second dispute. You may be able to dispute inquiries online, but consider mailing your dispute. Once the dispute has been resolved, you’ll be able to make changes to the locked status of your TransUnion credit report using Credit Karma. We see our new Direct Dispute feature as a major solution to these issues, driving forward Credit Karma’s mission to help people better understand and take control of their finances. Get a copy of your credit report. You will now need to call each Credit Bureau that lists dispute … Get copies of your credit reports. Re: Dispute on credit karma I did not use CK to dispute anything (and wouldn't, only dispute in writing and get a return receipt!) 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